Anytime you are involved in an accident, you will most likely make a claim for injury and/or vehicle damage. This claim can get resolved in a few different ways but the most common way is through no fault drivers claim. Many states honor the “no fault” claim so that means that the individuals insurance company will pay to have the vehicle fixed and damages paid for.
What you Need to Know About Auto Insurance Coverage
There are different types of car insurance coverage. Everyone who takes out a policy with an insurance company decides what policy they want. They may choose a policy based on their state requirements, their budget, or their family needs.
If you are involved in an accident, you can file a no-fault injury claim under the personal injury protection coverage and your medical expense coverage. If you don’t carry the mandatory amount of car insurance required by your state, you could face penalties even if the accident was not your fault.
If the other driver was uninsured, who will pay the bill? You will need to file a lawsuit against the other person otherwise you are not going to see any money to help pay for your loss and damages. Your uninsured motorist coverage will carry so far but it won’t pay for everything.
The other driver’s insurance coverage and your insurance coverage may be used to pay for damages as well as medical expenses. While the other driver may talk to you and convince you not to turn in the damages to the insurance companies, you will want to secure that with his full information including any insurance policy numbers he /she has in case they don’t pay you for the damages done at the scene. It’s almost always best to go through the insurance claims to get paid or compensated, as per personal injury lawyer in North Bay.
After the accident, it’s important that you call your insurance company as soon as you are able. You want your insurance agent to send out an adjuster to where the accident took place and investigate to find out what happened and how it happened. The other driver’s insurance company may contact you direct and offer you a settlement to compensate you. It’s important that you don’t accept the offer because once you do, you can no longer sue the other person for any further amount.
No Fault Insurance Information and claims
Some states honor the no-fault car insurance claim. If you have an accident in one of these states, you will pay for the damages that was done to your vehicle and the other driver will pay for theirs. Before you agree to anything, you need to speak to your lawyer to see if you are making the right decisions and to help you understand more how the law works.